Compare Mortgage Lenders
Select two lenders to compare side by side using 2023 HMDA federal data: approval rates, denial rates, loan sizes, loan types, and geographic reach.
Key Metrics
| Metric | Community National Bank | UNION STATE BANK |
|---|---|---|
| Total Applications | 1,454 ▲ | 196 |
| Loans Originated | 1,199 | 169 |
| Approval Rate (higher is better) | 82.5% | 86.2% ✓ |
| Denial Rate (lower is better) | 6.0% ✓ | 6.1% |
| Avg Loan Amount | $136,327 | $242,653 |
| Avg Interest Rate (lower is better) | 8.273% | N/A |
| Avg Applicant Income | $32,000 | N/A |
| Applications Denied | 87 | 12 |
| Applications Withdrawn | 140 | 10 |
✓ Better indicates the more favorable value for borrowers. Data: CFPB HMDA 2023.
Loan Type Mix
| Loan Type | Community National Bank | UNION STATE BANK |
|---|---|---|
| Conventional | 1,378 (94.8%) | 196 (100.0%) |
| FHA | 4 (0.3%) | — |
| VA | 23 (1.6%) | — |
| USDA | 49 (3.4%) | — |
Loan Purpose Breakdown
| Purpose | Community National Bank | UNION STATE BANK |
|---|---|---|
| Home Purchase | 612 | 128 |
| Refinancing | 333 | 33 |
| Home Improvement | 218 | 18 |
| Other | 155 | 5 |
| Cash-out Refinancing | 136 | 12 |
Top States by Loan Volume
| State | Originated | Rank |
|---|---|---|
| Kansas | 803 | #12 |
No state data available.
Summary
- 1,454 total applications · 1,199 originated
- Approval rate: 82.5%
- Denial rate: 6.0%
- Avg loan: $136,327
- Avg rate: 8.273%
- HQ: Chanute, KS
- 196 total applications · 169 originated
- Approval rate: 86.2%
- Denial rate: 6.1%
- Avg loan: $242,653
- HQ: ARKANSAS CITY, KS
Methodology
Comparisons are drawn from the CFPB 2024 HMDA Snapshot National Loan-Level Dataset, published by the Consumer Financial Protection Bureau and distributed via the FFIEC. Every figure on this page comes from lenders' mandatory HMDA filings — not voluntary marketing claims.
Approval (origination) rate = originated ÷ total applications. Denial rate = denied ÷ total applications. Rates do not sum to 100% because HMDA also records withdrawn, incomplete, and approved-but-not-accepted outcomes. Denial rates reflect a lender's applicant mix as much as its underwriting stance; compare alongside loan-type mix and geography before drawing conclusions.
Side-by-side comparisons are informational only and do not constitute financial, legal, or mortgage advice. Always obtain and compare written Loan Estimates before applying.